Shift Hours:

M-F: 9:15 AM - 6 PM with rotational 10 AM - 7 PM weekly shift & Rotating Saturdays

Responsible for control of delinquent loan accounts, pending late-payment reminders and maintains records on delinquent accounts.

Essential Job Duties and Responsibilities

• Consistently meet all Shell FCU Service Commitments; Shell FCU Employee Creed and Shell FCU Service Distinctions.
• Accountable to maintain knowledge of and comply with all applicable rules and regulations required within the scope of duties, including, but not limited to, the Bank Secrecy Act.
• Required to attend annual training sessions as instructed or scheduled.
• Perform job duties and responsibilities in compliance to SFCU policies, procedures, philosophy and standards of performance.
• Responsible for daily review and management of accounts that go into overdraft within established overdraft limits.
• Contacts delinquent accounts by phone and mail; takes appropriate action to bring current.
• Makes recommendations to Collections Supervisor for repossession of collateral when other arrangements to bring the loan current are unsuccessful.
• Maintains accurate files and reports on all individual collection activity.
• Assists members with other services problems as may be appropriate.
• Informs management of complex member issues and trends in loan underwriting contributing to delinquent/charged-off loans.
• Assists monitoring of vehicle single interest insurance program with approved vendor.
• Assists in preparing reports for the Delinquent Committee monthly on current status of collection efforts and recommends charge-offs.
• Assists in monitoring real estate loans for appropriate tax and insurance information and required HMDA reporting.
• Files appropriate legal action and will testify at legal proceedings as may be required.
• Stay abreast of changes and developments on laws governing collections and bankruptcy.
• Responsible for ensuring the necessary procedures and processes are completed for the collection of insufficient fund checks on member accounts.
• Reviews decisions for items presented against insufficient funds and reviews accounts where items are to be returned unpaid.
• Monitors account history to ensure SFCU is protected from loss in the event of member deviates for historical depositing trends.
• Performs additional duties as assigned.

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Knowledge and Skills

• Experience:
  • Three to five years of similar or related experience.
• Education / Training:
  • High school diploma or general education degree (GED).
  • Candidate will have successfully completed the following Star Module on-line training courses:
    • Financial Counseling for Members
    • Communications and Telephone Skills
    • Member Service: Exceeding Expectations
    • Members Services Track
• Job Requirements:
  • Must possess professional verbal communication skills.
  • A significant level of trust and diplomacy is required, in addition to normal courtesy and tact.
  • Work involves extensive personal contact with others and/or is usually of a personal and sensitive nature.
  • Proficient computer skills, including working knowledge of the MS Office Suite.
  • Accuracy with numbers and attention to detail.
  • Perform all work within established policies and procedures.
• Physical Demands:
  • While performing the duties of this job, the employee is regularly required to bend and stand. May at times be able to lift, carry and/or move up to 15 pounds.

Working Conditions

Exposure to potential hazardous conditions-robbery. Employees are to receive detailed instructions and procedures to be followed to minimize risk.

In accordance with the American with Disabilities Act, it is possible that requirements may be modified to reasonably accommodate disabled individuals. However, no accommodations will be made which may pose serious health or safety risks to the employee or others or which impose undue hardships on the organization.

This Job Description is not a complete statement of all duties and responsibilities comprising this position. Job descriptions are not intended and do not create employment contracts. The organization maintains its status as an at-will employer. Employees can be terminated for any reason not prohibited by law.